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hard money loan

Magna Capital Group, Inc. lends for single family, commercial, developer lots, raw land, unimproved & improved property of all types and land purchases. We are one of the VERY FEW mortgage lenders for land. Our Custom land loans are based upon equity. We will generally lend up to 35% of the appraised value of the property. Sometimes more! These are generally interest-only loans.

California Direct Private Money Lender Since 1991

We are your quick and easy funding source for residential and multi-family properties

Your California private money

hard money specialist.

Union Home Loan is a direct private money lender. Established in 1991, we have funded over $500 Million in loans. We lend on almost every property type from commercial, land, mixed use, residential, apartments, industrial, casinos, hotels, property Investment and unusual properties. Our only restriction is that we DO NOT make loans on primary residences. However, if you own any property at all, and its not the house you live in, we can make the loan. Our loans are equity based allowing for a quick and easy application process and very quick decision making. ANY CREDIT CAN QUALIFY

With a complete package we can have your equity based private money loan approved in 24 hours! All lending decisions are made in house by Union Home Loan, Inc. and are never outsourced to brokers or institutions. We specialize in making the impossible into reality no matter how complicated the situation may be, we will find a way to make you the loan you need. Our rates will vary depending on the type of property, term of loan and the situation. The average funding time from application to close is 7 days! If needed we can get your loan approved and closed in 3-5 business days! We make or arrange hard money loans from $20,000 to $3,000,000. We pay referral fees to licensed lenders and real estate brokers.

At Union Home Loan, we understand that people sometimes fall on tough times, especially coming out of a down market. Weather you have perfect credit, or have gone through foreclosures and bankruptcies, we are here to help. No borrower will be turned down. Our short terms loans can provide you with the financial freedom you need to get back on your feet.

Hard Money FAQs

Find answers to the most common questions about private money loans and hard money lending here! If you have additional questions, feel free to contact us at [email protected]

Where does the money come from for a hard money loan?

The funds originate from private investors who are looking to make hard money loans seeking a return on their capital. The source could range from:

one individual,

a group where each investor fractionally invests in your hard money real estate loan, or

a group of private investors who have already pooled their funds and work with a commercial lending asset manager or loan broker to issue loans to qualified borrowers.

When is the best time to use hard money?

A borrower may consider a hard money loan instead of a traditional bank lender in scenarios or a project where having access to capital quickly is crucial. However, gaining access to this type of capital comes at a higher cost, for a two main reasons:

The investor providing the loan is looking for a better return than they can get in the bond market or in a savings account.

The more risk the investor takes, the higher the interest rate will be for the project. So a 20% loan-to-value (LTV) loan on a fully rented commercial building would be far less risky than a residential rehab loan on a 60% LTV fixer upper purchased at a foreclosure sale.

But remember, everything is negotiable and it is ultimately up to the hard money lender to find an investor willing to accept the risk of the borrower s project.

Why do I feel hard money lenders can considered to be shady ?

You re not alone in feeling this way. Over the years, there have been many bad apples in the hard money lending industry. As a result, a certain negative stigma was associated with hard money lenders. However, like any business, it evolved over time, and now there are many more good lenders that serve investors to do great deals across the country.

The key for you is discerning the good lenders knowing the right questions to ask to perform your due diligence. So don t let the stigma scare you! There many new private money lenders who are well-trained professionals acting in the best interest of borrowers.

The hard money lending industry has seen significant change during the last decade and a cottage industry of professionals has emerged who serve as a conduit between private money investors and borrowers seeking funds for real estate projects such as rehabs, bridge loans, commercial lending, land loans, and more.

Why can t I just go to a traditional bank lender and get my deal done?

You certainly can, however, banks generally require both strong collateral and a proven history of excellent credit and cash flow. Further, banking institutions may not provide the dual-awesome combination of speed of capital and quick decision making.

Hard money lenders are the opposite of banks. They offer more flexibility and focus primarily on the collateral for the loan and have the ability to fund a loan quickly which can prove to be a major benefit when you re in the midst of closing a time sensitive real estate deal.

Is hard money only for desperate borrowers?

Not at all! There are many transactions that just don t fit the conventional lending mold, for which hard money loans are better suited. Sometimes, hard money is a preferred means of financing these transactions and allows real estate investors to leverage their cash to invest in multiple deals, instead of just one.

Most private money lenders have no desire to take your property. They earn their living by servicing your loan on behalf of their investor. If they take your property, the income stream of 0.5% to 1% of the loan amount per year stops; so their incentive is to keep you in the property, and not take it away from you.

You may make your payments directly to the private money lender who arranged your loan or to a separate servicing company. Wherever the payment goes, you can expect less sophisticated servicing than you may have experienced with conventional loans. You should not expect a fancy web site to manage your loan. In many cases the servicing may be done on a ledger card or with basic software that doesn t give the borrower internet access.

Disclaimer and Limitations of Use

Whether you are looking for a commercial hard money bridge loan, or a private money loan to fund a residential rehab, the frequently asked questions in this private money lending guide will help you find the lender you need to get the loan for your real estate project.

Sterling Investor Capital, LLC

Hard Money Lenders Houston, Texas

Call Us: 713-784-7676

1 Hour Call Back!

Hard Money Lenders Houston, Texas

Sterling Investor Capital has the answers to all of your hard money lender needs in Houston, Texas. We are able to finance loans which have been turned down by banks and help you out in many financial situations in which a loan would otherwise be denied. We finance loans for residential investment and commercial investment purposes mainly based on the equity that you have available. The rates that we offer depend mostly on the type of property, term of the loan, and the risk assessment on the investment. Since we are a private equity-based hard money lenders inHouston Texas we are able to be of assistance to investors throughout Texas.

For those looking for a residential investment or commercial bridge loan in Dallas, TX there is no better place than Sterling Investor Capital. We finance many bridge loans that other institutions passed up in order to help our customers close on residential investment or commercial investment loans faster and more easily. If you are in need of a loan for residential investment property or a commercial bridge loan in Dallas to purchase residential investment property or refinance the mortgage on your current residential investment property or commercial investment property then you have come to the right place. We have the best rates and terms on bridge loans in Texas.

Residential investment and commercial investment loans are available in Austin for those who are looking to purchase property. If the bank has declined you for a residential investment or commercial loan you can count on Sterling Investor Capital to help you through the financial process of buying a new property. Investment home and commercial loans in Austin don’t have to be difficult and lengthy. Unlike other hard money lenders we prefer longer terms for our loans. This helps our customers who are looking for the best deals on residential investment loans in Austin without the hassle of working with a banking institution.

Residential and commercial hard money loans in Dallas, Texas may be the answer to your financing needs. With our exceptional rates and market leading terms on our residential and commercial hard money loans in Dallas we have been able to help countless customers realize their property goals when they had been turned down by other lending institutions. Everyone should have the chance to make a smart residential move when they see the opportunity, and the residential and commercial hard money loans in Dallas that we offer to customers can help you take advantage of that same chance. If you are considering a residential or commercial hard money loan in Dallas you will be sure to find a better value in our loans.

Hard Money Loans Houston

For all equity based money lending needs in Houston, Texas we have you covered. We have over 40 years of experience in real estate financing which allows us to provide you with the funds that you need. When it comes to residential investment and commercial hard money lending in Houston there is no better choice. We make sure that you will have the best rates on your loans based on the equity of your current holdings. We are capable of offering anywhere from $80,000 to $5,000,000 or more for the right opportunity. If you have the chance to make a solid move and simply need help funding your investment, you can count on Sterling Investor Capital for your private investor hard money lending in Houston.

We are hard money lenders in San Antonio, Texas that can quickly get you on the path to receiving the funds that you need. We will issue a letter of intent within 24 hours of receiving your loan application. Lending hard money in San Antonio has never been easier than when you work with Sterling Investor Capital. We make sure that you are ready to capture any opportunities that come your way even if you don’t have extra capital sitting around to invest. Our San Antonio asset based loans will make sure that you have access to all of the resources that you need based purely on the assets that you already own.

Our funding of residential investment loans in Ft. Worth, Texas are quick and easy. We are usually able to provide the funding that you need within 7 to 10 days after appraisal. This means that you won’t have to wait through a long administrative period and can capitalize on the property that you would like to purchase. Hard money lending in Ft. Worth is a great alternative when you want to make a move on a property quickly without having to go through all of the lengthy processes that occur when borrowing from a bank.

Texas Hard Money Loans

Our residential investment and commercial loans in Texas differentiate from the usual bank loans you receive. They are not based upon usual credit checks as we do not require you to go through income verification and provide tax returns like banks. You primarily qualify for a loan based on the value and cost of the property or real estate. There is no loan committee, it s our money and if the loan makes sense we ll do it.

Best Hard Money Loans

Contact us now to arrange for a consultation or if you have any questions or concerns. We’re a direct Texas hard money lender making loans in Texas. Loan terms can be from 1 year to 5 years. All investor and property owners are able to qualify based only on the value of the property.

Hard Money Equity Loans

Bad credit borrowers should consider hard money loans with our private money lenders that offer mortgage refinancing, cash out and consolidation. Sometimes in life situations arise that we cannot control, and bills aren’t paid on time and credit scores drop when you need them most. With BD Nationwide we enable you to talk directly to trusted hard money lenders so that you will get the “straight scoop.

If you have several reported late payments on your mortgage, then most conventional lenders will not approve you for cash out refinance or equity loan. Hard money equity loans are needed when credit scores drop in the low 500 range. Whether you need a non-prime loan or hard money lending, we can help you find private money lenders that provide several alternative financing solutions.

Shop Home Equity Companies Offering Private and Hard Money Loans for All Types of Credit

We will help you meet private money lenders that offer hard money loans and credit lines with short-term or extended term financing for investment, home construction, debt consolidation and bad credit refinancing. Choose from spec loans, lot loans bridge loans and many more non-conforming programs as well. Talk to hard money lenders that have bad credit solutions for qualified borrowers.

According to the Administrative Office of the Courts, 2,078,415 bankruptcies were filed last year–the largest number of bankruptcy petitions in the history of the federal courts.

See New Cash Out and Hard Money Loan Opportunities:

Many banks talk about offering equity loans for cash back but unless you have high credit scores it’s usually a long shot. That’s why hard money equity loans make a lot more sense for people who do not have great credit scores, Hard money loans have helped millions of people realize their financial goals by helping them tap their equity with cash out.

However, hard money is not for everyone. You’ll have enough equity to qualify for a hard money refinance, and not everyone will be able to do so. There are a few things that will factor into qualifying for these types of loans, including things like your income, debt to income ratio, credit history, and more. For a hard money equity loan, the most important factor of course is your home equity. Learn more on home equity loans with bad credit.

Tips and Advice from Hard Money Lenders and Private Mortgage Sources

Borrowing money from private sources has become very common these days for people who want to invest in real estate. It is still difficult to get regular banks to lend money on investment properties, even for experienced investors. If you are considering a hard money loan, below is an overview and some tips and advice.

Hard Money Loan Overview

A hard money loan is an alternative to a traditional bank loan that investors and some home buyers choose when they cannot qualify for a loan from a commercial lender. Some people also prefer to get a hard money loan instead of a regular loan because they have different needs than regular lenders can provide.

Payment terms are usually higher priced than regular bank loans because hard money loans are a higher risk investment for the lender.

The biggest difference between a hard money loan and a bank loan is that the loan is based entirely on the value of the property. Your personal credit history is not a major factor. Because the loan is not greatly based upon credit history, you will pay a much higher interest rate on a hard money loan. But if you have a profitable asset that you want to fix up and resell, getting a hard money loan could be a great option.

If you are looking for a short-term loan, such as doing a fix and flip property, a subprime loan from a hard money lender is often ideal. After all, you are not holding the loan for more than a few months. But if you have a property that you plan to hold for a long period of time, a hard money loan can quickly become too expensive to be profitable. Shop mortgages with bad credit.

Some of the Advantages of Getting a Hard Money Loan include:

Speed: The biggest plus of getting this type of loan is that you can get the money quickly. If you are an investor and you see a hot property, you know how it works: If you cannot close on that deal in a week or two, it could be gone. Some private money lenders can get your loan approved in 24 hours. People looking for a hard money line of credit in 1st or 2nd position will have more success getting quick cash than borrowers searching for a 3rd mortgage.

More collateral options: Hard money lenders can take different sorts of collateral. They will want to see that you have sufficient income from other sources to pay the loan usually, but they also may accept that you have other properties in your portfolio that serve as collateral if you default. They also may be able to accept your retirement savings or personal residence.

Low credit requirements: There are some hard money lenders that will want to see a decent credit score to loan you money, but others don’t care. The main thing that matters is having an asset that is worth something and that will have additional value when it is fixed up.

Hard money lenders understand investors: These lenders work with investors in real estate every day and understand what you are doing. If you have a property that can make them money, they probably will loan on it even if your credit is poor. Many regular banks are leery of investors.

Some Disadvantages of Hard Money Loans:

Higher interest rate: The interest rate on a hard money loan can be 15%. That is extremely high, but remember, you are probably not borrowing the money for more than three to six months. But you can run into problems if you need to borrow the money for a year or longer. You could find yourself losing money by holding the property.

Short term: Most hard money loans range from three months to a year. Hard money loan costs can be hard to handle when you are working on the property and have no cash flow or profit from it.

Certain properties only: Many hard money lenders are picky on the properties they will loan on. They all have different lending criteria, and some will be really strict. They want to be sure the property is worth having if you default.

Tips for Hard Money Loans:

Find a profitable property. No hard money lender will loan on a property that is going to lose money.

Have an exit strategy planned to show the private money lender. Most hard money borrowers are fixing and flipping properties. Show the lender what you are doing to the property and how much money it will make. Be specific.

Build up your cash reserves. Hard money lenders like to work with experienced investors who have a track record of success. If you are new, that’s fine, but you can increase your chances of getting approved by having substantial cash reserves and collateral.

Raise your credit score: While many lenders will loan to people with bad credit, you still should try to raise your score, as you may get a lower rate.

If you are new to investing, consider partnering with an experienced hard money broker or lender with a portfolio of properties. He can help you to get the loan and work with you to fix up the home profitably.

Do you need cash but currently have credit scores below 500?

Are you seeking some debt relief with lower payments from eliminating compounding interest?

BD Nationwide Mortgage provides solid insight on home equity solutions to savvy borrowers looking to consolidate loans and pay off revolving credit cards. If you have earned some equity in your home and want to reduce some high interest debt it is worth looking into a subprime mortgage, even if you have below-average credit scores.

When it comes to private hard money funding now you can learn what successful real estate investors are doing in today’s real estate market–

“My partners in N.C swears by your product and I can’t wait to begin having my deals funded as well. Like you said Gary -all the heavy lifting has been done for us! All of your products will be added to my archives, but this is the primary piece to the foundation of my operation. Add me to the list of your satisfied customers as well.” -B.G

“I like what the program offers, I have used the blueprint principles to put packages together, with success. ” -M.C.

“The three sources I ordered from you and your continuous informational daily emails have been of an invaluable help to my real estate investing success. Thank you so much.” -P.M.

“Yes I did get funded thank you for the help!” -C.C.

“I have a great lender that I got through your program. We have a great relationship and I’m getting properties. with 0 down no payment for 120 days @ 11% land contract 3 year pay off. Thank you very much.” -R.V.

Just one funded deal could make all the difference. That’s why it is so important to know the lender programs so investors can match deals with the right private hardmoney lender programs. It is critical to being able to establish a relationship with these lenders if it is your desire to get more deals funded and closed.

Why waste your time searching for funding when WE CAN SHOW YOU HOW IT’S DONE?

Private Money Funding up to $100million with quick, knowledgeable and professional representation?

Is your current lender threatening to foreclose on your property?

We will look after your situation and locate the most appropriate Private Mortgage Lender for you!

Most private money lenders are specialists who engage in higher risk ventures and mortgages because they clearly understand both the opportunity and risk associated with selected mortgage types or market commercial segments.

Request your free consultation..

Complete a simple, secure online request below and we will contact you.

You will receive a confirmation email in the next 30 minutes. If you do not receive this email please contact our office on (02)80050585

money to loan

Magna Capital Group, Inc. lends for single family, commercial, developer lots, raw land, unimproved & improved property of all types and land purchases. We are one of the VERY FEW mortgage lenders for land. Our Custom land loans are based upon equity. We will generally lend up to 35% of the appraised value of the property. Sometimes more! These are generally interest-only loans.

loan money

Magna Capital Group, Inc. lends for single family, commercial, developer lots, raw land, unimproved & improved property of all types and land purchases. We are one of the VERY FEW mortgage lenders for land. Our Custom land loans are based upon equity. We will generally lend up to 35% of the appraised value of the property. Sometimes more! These are generally interest-only loans.

How to Get a Hard Money Loan Approval

Hard money loans are generally lent to borrowers to finance real estate investment opportunities or other collateral backed loans; they are funded by private investors as opposed to banks. A hard money loan might be an appropriate option if you do not have a high enough credit score to secure a loan from a bank. They are generally used as “bridge” loans between construction financing and long term loans; hard money loans are often used for construction because longterm lenders may want finished and leased projects. Be aware that hard money lenders are not regulated by the Federal Reserve or the Office of Thrift Supervision. Therefore, the application process can be very different from a traditional loan from a bank.

hard money loan

HARD MONEY BANKERS is a full service and self-funded private/hard money lending company providing fast and flexible financing for residential and commercial investment real estate deals. We are currently lending in Maryland, DC, Virginia, Pennsylvania and New Jersey.

Borrow from Us

Hard Money Bankers Makes The Lending Process Easy! Call Now 800.883.8290 Follow These Six Easy Steps To Get Through The Loan Process. STEP ONE: APPLICATION:Complete

Broker To Us

Welcome to Hard Money Bankers We work with Brokers nationwide as an additional outlet for their loans. When you work with us, you will receive professional and honest service along with a quick response to all loan submissions.

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TESTIMONIALS

I would like to thank you and the HMB team for your high level of professionalism and partnership on my project. From Bryant with the acquisition loan and extension and Teri with her awesome asset management and customer service. Again, thank you for commitment and partnership.

The folks at HMB are great! They were able to approve the loan, complete the closing within a tight time-frame, and disburse the escrow funds promptly. They offer many other programs to assist investors as they clearly recognize that the more successful their clients are, the more successful they are. I recommend anyone contemplating entering the Real Estate Investment sector, to contact HMB prior to signing a contract, as there are many factors that need to be considered that they can discuss with you. Best of Luck!

Greg , Howard County, Maryland

Great lender to work with on a flip. I also love their educational stuff and networking opportunities as a client. Very helpful for new investors and old!

Lone Star Cash Services

Welcome to Lone Star Cash Services. We are excited to have the opportunity to help you meet your short term lending needs. Take a minute to learn about the different types of loans that you can use to pay for your emergency bills or expenses. When you are ready to get your cash, apply online to get you money quickly.

Dallas Area Payday Loans

You might also know these as cash advances and these loans are short term loans where the money is deposited directly into your checking account. The payback term is set to coincide with your next paycheck or payday in most cases. You can use these types of loans to pay for emergency expenses, utility bills, doctor costs, rent or any other surprise Dallas expense fast. On payback of the loan, you will typically be charged a set fee. The effective APR can be high but it is often less than the cost of bank fess and late charges. To qualify for one of these loans, you only need a few things in most cases. You need to have an income, a checking account, a valid phone number, a social security number and you must be over the age of 18.

Installment Loans

These loans are usually for higher dollar amounts than payday loans and will have a longer payback period. You may be required to make monthly or bi-weekly payments. To qualify, you will need the same things that you would need for a cash advance but the credit requirement might be higher.

Why Apply Through Lone Star Cash Services

No need to go into a brick and mortar store and waste your precious time and gas. No need to take off from work and lose the money that you need. This is about getting money after all and not spending it.

Money Is Deposited Directly

Your money will be deposited by the lenders directly into your account. No need to take a check down to the bank. The money will be ready to go to pay the bills that you need to deal with.

Nobody needs to know that you are getting a payday loan. Nobody needs to see you walk into a money store. You can do it all online from the privacy of your home or workplace. Our lenders use secure websites to keep your information private.

How much will my loan cost me in fees and interest?

This will depend on the loan amount and your particular situation. The best way to find out is to apply. All fees will be disclosed before you commit to the loan.

What if I can not pay my loan back by the due date?

Most lenders offer you the ability to extend the loan or refinance it. You should call the lender who funded your loan as soon as you know that you will not be able to repay.

Can I qualify with bad or poor credit?

Absolutely, as long as you meet the basic requirements, you can still most likely qualify.

Does it take a long time to get an approval?

No, you should have a result within minutes of completing your application.

When can I get my money?

Most lenders will be able to fund your loan on the next business day. Bank holidays may delay the deposit in some cases.

How will I receive my money?

Your money will be deposited directly into your checking account after your application is approved. At the end of the term, the money will be automatically debited from the same account.

** We strive for the highest ratings. We are not satisfied unless we receive at least: 4.9 out of 5 based on 200 reviews or more.

SpeedyMoney – Payday Loans & Cash Loans Online

SpeedyMoney is committed to providing you with a hassle-free solution to your short-term borrowing needs.

We offer loans from $200 – $1600. Repayments are withdrawn from your account via Direct Debit on the day that you are paid, either weekly, fortnightly, or on a specific date in the month. The application process is straight forward, takes only a few minutes, and during business hours we typically make the decision and send the funds in less than 60 minutes. Depending on who you bank with the money can be with you in minutes, a few hours, or at worst overnight. By far and away the majority of our payments are received the same day.

Our responsible lending principles aim to ensure we offer you a loan with repayments you can afford. You can also use our cash loan calculator above to work out your approximate repayments before you apply. You must be employed (we cannot help you if the majority of your income is from Centrelink), and you will need to download your bank statements via the application form, so have your bank details to hand.

We are 100% online, processing applications 24/7, regulated by ASIC, and the Financial Ombudsman Service (FOS).

Types of loans?

Our business is regulated by ASIC and our product is classified as a Small Amount Credit Contract (SACC), although they are also commonly referred to as payday loans, cash advances, personal cash loans, cash loans, little loans, quick cash loans and short-term loans.

Payday loans

Payday loans are small unsecured loans. Our payday loans range from $200 – $1600 and are payable in equal installments over the term of the loan on the dates that match your pay frequency. That is, if you are paid monthly then we’ll deduct your repayment on your monthly pay date. Customers typically use these loans to pay for unexpected bills, repairs, or simply when they find they have been left short till next payday. The application process is fast, the money paid within the hour and usually received the same day, and although you must be employed for a payday loan, an absolutely clean credit history is not mandatory.

Cash Advance

Our Cash Advance loans are small loans between $200 and $1600. They work the same as payday loans in that your repayments are direct debited from your account on payday, and the funds are usually available for withdrawl on the same day. Whilst your final assessment is done by a Speedymoney credit officer there is a high degree of automation in collecting your application information, gathering your bank statement data, and scheduling your direct debits. This makes for a speedy approval and aims to get the money in your hand faster.

Emergency Loan

Fast and hassle-free, emergency loans typically cover medical or vet expenses unexpected matters that need to be dealt with high priority. Following the same structure as a payday loan, in that your repayments are made via direct debit on the same day that your receive your wages, subject to your previous lending history these loans can carry over a longer period (to keep each individual repayment lower) when the need arises. To apply for an emergency loan simply use our online application form, have your mobile and bank details to hand, and know the size of the repayments that you can afford. Use the loan calculator on the home page to help estimate these.

Short term loans

The phrase short term loans is actually defined as a loan of under 15 days under the National Consumer protection Act. It is not possible to offer loans under 15 days in Australia, and hence all of our loans are 16 days or longer. Most commonly loans are structured over the course of a month and this is what customers usually mean when they talk about short term loans. We offer loans for between $200 and $1600, and structure the repayments to be withdrawn from your account via direct debit on the day that you are paid. The online application takes less than a few minutes, and transfers are made within the hour during the working week.

Personal Loans

Speedymoney personal loans are unsecured loans up to $1600 available to cover near term expenses that will be larger than normal. Repayments are deducted from future income payments in manageable instalments to try to smooth the effect of this one-off event. To apply for a personal loan use the online application and be ready to download your bank statements so that your assessment can be carried out promptly. A personal loan at Speedymoney is usually for a larger amount than a payday loan and takes into account your previous repayment track record with us.

Quick Cash Loans

SpeedyMoney is one of Australia’s newest online providers of Quick Cash loans. To ensure the service we offer is world class, we scoured the globe to find the best possible systems to ensure you don’t wait a minute longer than you need to to get your money.

Annual Percentage Rate (APR)

Please note that our loans are simply fee based with no hidden fees or charges. As such they don’t have an Annual Percentage Rate (APR).

Why Speedymoney?

Our application form should take you no longer than 5 minutes to complete. Usually we’ve processed your loan a short-time later with the money on it’s way to your bank account in less than 60 minutes. That’s a seriously fast loan.

You don’t have the time these days to deal with manual loan processes. Get your bank details and ID together and you’re ready to go. You can apply 24/7, we’re always open.

We understand things don’t always go as planned

Things are getting tough and budgeting doesn’t always work out when unexpected things happen. Our cash loans are not like credit cards or other forms of revolving credit you get the money fast, you pay it off fast, and that’s it. If you need us again, just login and apply for an even faster loan.

Your credit history isn’t perfect

You generally do the right thing and pay off your debts and sometimes that takes time. We won’t penalise you because you’ve had some bad luck and you’re credit file isn’t perfect. What we look for is a recent history of repayment and affordability.

We are committed to responsible lending

We take our obligations seriously and we don’t want to lend you money if you can’t afford to repay it. This takes our total focus every day.

We care about customer service

Just because it’s a small loan, it doesn’t mean it’s not important. If you need to know your current balance, the status of your loan, your repayment dates or get another loan, then you can log onto our secure client area and it’s all there. Alternatively you can call on 1300 271 902 or get us on chat during business hours.

We have a few essential requirements to be eligible for a SpeedyMoney Loan. You need to be:

Over 18 years of age

An Australian resident

Be employed and have a regular income stream

Apply Now

How do I apply?

We take applications online only. You can call us if you need to on (02) 8599 1083 or email us at [email protected]

How long does it take to get my money?

During business hours and following the successful completion of our online process, we commit to send your money in less than 60 minutes. If you bank with the Commonwealth Bank, your money can be in your account in seconds, usually a few hours later with the other major banks, or overnight with the smaller regional banks if the application is approved before 3.30pm.

Types of loans?

Our business is regulated by ASIC and our product is classified as a Small Amount Credit Contract (SACC), although they are also commonly referred to as payday loans, cash advances, personal cash loans, cash loans, little loans, quick cash loans and short-term loans.

money loans online

How to Get a Hard Money Loan Approval

Hard money loans are generally lent to borrowers to finance real estate investment opportunities or other collateral backed loans; they are funded by private investors as opposed to banks. A hard money loan might be an appropriate option if you do not have a high enough credit score to secure a loan from a bank. They are generally used as “bridge” loans between construction financing and long term loans; hard money loans are often used for construction because longterm lenders may want finished and leased projects. Be aware that hard money lenders are not regulated by the Federal Reserve or the Office of Thrift Supervision. Therefore, the application process can be very different from a traditional loan from a bank.

Carolina Hard Money and Transactional Loans for Real Estate Investors

Carolina Hard Money”, LLC is a commercial mortgage lender serving the needs of the “Real Estate Investor” Small Builder borrower who is striving to build wealth and generate income for themselves and their families. We offer “hard money rehab loans,” Ground up Construction Loans and Transactional Loans for investors only in “North Carolina and South Carolina”. As part of our business practices, we also serve as consultants for investors guiding them to network with other investors and educating them in locating and structuring transactions.

“Carolina Hard Money”, LLC. promotes that all transactions be made ethically and morally. Our goal is to put People and Principles in front of Profit. CHM understands that the best way to serve our customers is to be able to walk in their shoes. We are members of and endorse the Metrolina “Real Estate Investors” Association, a non-profit association that promotes real estate investing through networking, mentoring and training. As “real estate investors”, ourselves we feel this enables us to better understand the goals and needs of our customers.

Some of Our Hard Money Loan Terms and Property Types:

We loan up to 70% of the ARV on SFR.

55% to 65% ARV on Multi-tenanted Commercial and Mixed Use

Terms are 6 to 9 Months with extensions available.

Ground up Construction

Rehab to Flip or Hold

Origination Fee 5% of Loan amount

13.75% interest only payments, No pre-payment penalty

Closings in as little as 10 days

See F.A.Q s for a list of expected fees.

“North Carolina Hard Money Lender

South Carolina Hard Money Lender”

We’re not around right now. But you can send us an email and we’ll get back to you, asap.

Refinance a loan on a second home or investment property obtain cash from equity, pay off a balloon or delinquent loan to prevent a foreclosure

Secure a 2nd mortgage on a second home or investment property cash out for debt consolidation, remodeling, repairs, business loans, investments, or for any reason

Obtain a bridge loan to purchase other real estate prior to selling your current property based on the equity in the departing residence (with a new property under contract)

Stabilize or renovate commercial income property — for commercial apartments, offices, retail, medical, and mixed-use income properties when renovations are required, or to provide interim capital or bridge money prior to permanent financing

You may qualify for a Hard Money loan, even if:

You have average or poor credit, minimal credit, or NO credit sufficient equity and the means to repay the loan are more important than your personal credit

You have a recent bankruptcy, foreclosure, or divorce — these issues are acceptable for hard money lending with sufficient equity and the means to repay the loan

You have too much debt to qualify for a bank loan with the necessary equity in your property and the ability to repay the loan higher debt-income ratios are OK

You’ve been on your job for less than two years. Provided your employment is expected to continue a new job is OK

You have inconsistent or mixed income income can be from different sources and still be acceptable

Title to your property is held in the name of a trust, LLC, or corporation title to the property can be vested in a non-natural person

You need abusiness loan secured by equity in real estate, but are unable to qualify for a commercial bank or SBA loan

You are a Foreign National with no U.S. employment or SSN and aren’t able to secure a conventional loan

the ratio between the amount of a proposed mortgage loan and the lower of sales price or appraised value.

Hard Money Equity Loans

Bad credit borrowers should consider hard money loans with our private money lenders that offer mortgage refinancing, cash out and consolidation. Sometimes in life situations arise that we cannot control, and bills aren’t paid on time and credit scores drop when you need them most. With BD Nationwide we enable you to talk directly to trusted hard money lenders so that you will get the “straight scoop.

If you have several reported late payments on your mortgage, then most conventional lenders will not approve you for cash out refinance or equity loan. Hard money equity loans are needed when credit scores drop in the low 500 range. Whether you need a non-prime loan or hard money lending, we can help you find private money lenders that provide several alternative financing solutions.

Shop Home Equity Companies Offering Private and Hard Money Loans for All Types of Credit

We will help you meet private money lenders that offer hard money loans and credit lines with short-term or extended term financing for investment, home construction, debt consolidation and bad credit refinancing. Choose from spec loans, lot loans bridge loans and many more non-conforming programs as well. Talk to hard money lenders that have bad credit solutions for qualified borrowers.

According to the Administrative Office of the Courts, 2,078,415 bankruptcies were filed last year–the largest number of bankruptcy petitions in the history of the federal courts.

See New Cash Out and Hard Money Loan Opportunities:

Many banks talk about offering equity loans for cash back but unless you have high credit scores it’s usually a long shot. That’s why hard money equity loans make a lot more sense for people who do not have great credit scores, Hard money loans have helped millions of people realize their financial goals by helping them tap their equity with cash out.

However, hard money is not for everyone. You’ll have enough equity to qualify for a hard money refinance, and not everyone will be able to do so. There are a few things that will factor into qualifying for these types of loans, including things like your income, debt to income ratio, credit history, and more. For a hard money equity loan, the most important factor of course is your home equity. Learn more on home equity loans with bad credit.

Tips and Advice from Hard Money Lenders and Private Mortgage Sources

Borrowing money from private sources has become very common these days for people who want to invest in real estate. It is still difficult to get regular banks to lend money on investment properties, even for experienced investors. If you are considering a hard money loan, below is an overview and some tips and advice.

Hard Money Loan Overview

A hard money loan is an alternative to a traditional bank loan that investors and some home buyers choose when they cannot qualify for a loan from a commercial lender. Some people also prefer to get a hard money loan instead of a regular loan because they have different needs than regular lenders can provide.

Payment terms are usually higher priced than regular bank loans because hard money loans are a higher risk investment for the lender.

The biggest difference between a hard money loan and a bank loan is that the loan is based entirely on the value of the property. Your personal credit history is not a major factor. Because the loan is not greatly based upon credit history, you will pay a much higher interest rate on a hard money loan. But if you have a profitable asset that you want to fix up and resell, getting a hard money loan could be a great option.

If you are looking for a short-term loan, such as doing a fix and flip property, a subprime loan from a hard money lender is often ideal. After all, you are not holding the loan for more than a few months. But if you have a property that you plan to hold for a long period of time, a hard money loan can quickly become too expensive to be profitable. Shop mortgages with bad credit.

Some of the Advantages of Getting a Hard Money Loan include:

Speed: The biggest plus of getting this type of loan is that you can get the money quickly. If you are an investor and you see a hot property, you know how it works: If you cannot close on that deal in a week or two, it could be gone. Some private money lenders can get your loan approved in 24 hours. People looking for a hard money line of credit in 1st or 2nd position will have more success getting quick cash than borrowers searching for a 3rd mortgage.

More collateral options: Hard money lenders can take different sorts of collateral. They will want to see that you have sufficient income from other sources to pay the loan usually, but they also may accept that you have other properties in your portfolio that serve as collateral if you default. They also may be able to accept your retirement savings or personal residence.

Low credit requirements: There are some hard money lenders that will want to see a decent credit score to loan you money, but others don’t care. The main thing that matters is having an asset that is worth something and that will have additional value when it is fixed up.

Hard money lenders understand investors: These lenders work with investors in real estate every day and understand what you are doing. If you have a property that can make them money, they probably will loan on it even if your credit is poor. Many regular banks are leery of investors.

Some Disadvantages of Hard Money Loans:

Higher interest rate: The interest rate on a hard money loan can be 15%. That is extremely high, but remember, you are probably not borrowing the money for more than three to six months. But you can run into problems if you need to borrow the money for a year or longer. You could find yourself losing money by holding the property.

Short term: Most hard money loans range from three months to a year. Hard money loan costs can be hard to handle when you are working on the property and have no cash flow or profit from it.

Certain properties only: Many hard money lenders are picky on the properties they will loan on. They all have different lending criteria, and some will be really strict. They want to be sure the property is worth having if you default.

Tips for Hard Money Loans:

Find a profitable property. No hard money lender will loan on a property that is going to lose money.

Have an exit strategy planned to show the private money lender. Most hard money borrowers are fixing and flipping properties. Show the lender what you are doing to the property and how much money it will make. Be specific.

Build up your cash reserves. Hard money lenders like to work with experienced investors who have a track record of success. If you are new, that’s fine, but you can increase your chances of getting approved by having substantial cash reserves and collateral.

Raise your credit score: While many lenders will loan to people with bad credit, you still should try to raise your score, as you may get a lower rate.

If you are new to investing, consider partnering with an experienced hard money broker or lender with a portfolio of properties. He can help you to get the loan and work with you to fix up the home profitably.

Do you need cash but currently have credit scores below 500?

Are you seeking some debt relief with lower payments from eliminating compounding interest?

BD Nationwide Mortgage provides solid insight on home equity solutions to savvy borrowers looking to consolidate loans and pay off revolving credit cards. If you have earned some equity in your home and want to reduce some high interest debt it is worth looking into a subprime mortgage, even if you have below-average credit scores.

Material disclosure

APR Disclosure. In some states the APR (Annual Percentage Rate) is limited in accordance with the laws. Cash advance loans are usually charged at the rates ranging 200%-1386%; installment loans вЂ“ in the range of 6.63%-225%. In those states where APR is not regulated or I any way limited by any laws, the rates can be even higher. Under the term of APR is understood the rate of interest that you get your loan under and it usually depends on several factors such as cost of loan and its amount as well as terms of repayment. The disclosure of APR as well as other terms and conditions is required to be done by all lenders before actual credit agreement is signed. APR rates are subject to change.

Material Disclosure. This particular website is not a direct lender or represents any type of loan broker company. We represent an informational as well as referral company for lenders who are willing to participate in small cash and installment loans. We also match borrowers and lenders who provide loans from $100 to $1,000 and up to $5,000 in case of installment loans. Not all lenders that we work with are able to provide such loans and there is a chance to be connected to some other than an independent lender. The website as well as the service does not offer any products that are somehow prohibited by the state laws and regulations. This is not an actual offer of a loan. We do not provide perspective clients with any products or services; the compensation that we receive is the one we get for the advertizing part and only in those cases when the services are legal are law-abiding. We neither have access to the terms of your loan agreement nor are we responsible for any actions of a lender that they choose to implement with regards to interest rates, loan renewals, and money transactions and so on. Lenders only have this information and are able to provide the information about their specific terms, rates, charges, or any other issues involved in the process. The information that you provide in the form will be shared with 2-3 lenders. There is no obligation for the clients to actually apply for a credit from the lender that participates in our program just because you were matched with them. The time of money transfer is different with regards to a different lender. In some states the terms are regulated not just by a lender but by the state and local laws. Some lendersвЂ™ procedure involve faxing, others doesnвЂ™t; it depends. More information can be found on FAQ page; however, neither FAQ page nor other pages can be considered a legal advice or a substitution to it. By using this service you agree to comply with this siteвЂ™s Terms of Use and Privacy Policy. Exclusions. It is not uncommon that residents of some states are unable to receive small-cash loans. The following states refer to this group: Arkansas, New York, Vermont and West Virginia. However, the states services are subject to change without notice.

money to loan

Magna Capital Group, Inc. lends for single family, commercial, developer lots, raw land, unimproved & improved property of all types and land purchases. We are one of the VERY FEW mortgage lenders for land. Our Custom land loans are based upon equity. We will generally lend up to 35% of the appraised value of the property. Sometimes more! These are generally interest-only loans.

Hard money lenders offer short-term loans to quickly facilitate the purchase and renovation of residential and commercial properties. With more than 600 hard money lenders in the U.S., it’s hard to find a reputable lender that’s right for you. To help, we looked at a range of hard money lenders and found that LendingHome, Patch of Land, and Lima One Capital offer the best mix of options for hard money loans.

Best Hard Money Lender 2017:LendingHome

LendingHome is our top pick because they offer loan amounts up to 90% loan-to-value (LTV), up to 75% after-repair-value (ARV), and have interest rates starting as low as 7.5%. Further, LendingHome charges only a small amount of lending fees (between 1.5% 2.5%), and they conduct their own appraisals at no additional cost to the borrower. These terms make them a good option for small businesses.

Best Hard Money Lender 2017:LendingHome

LendingHome is a national hard money lender that finances residential real estate such as single-family homes, multi-unit properties, apartments, and condos. We chose them as the best hard money lender because they offer comparatively high maximum loan amounts and offer comparatively low interest rates and lender fees.

LendingHome can finance residential properties in both good and poor conditions. For a property in good condition, LendingHome issues a loan up to 90% of its loan-to-value (LTV) ratio, which is equal to 90% of its purchase price. This represents the highest LTV on our list.

For a property in poor condition, LendingHome issues a loan up to 75% of its after-repair-value (ARV) ratio, which is equal to 75% of the expected fair market value (FMV) of the property after renovations. This represents the highest ARV on our list.

For both LTV and ARV, LendingHome offers low interest rates starting at 7.5%, which is low compared to industry averages. However, it’s not uncommon to receive an interest rate between 9% 12%. LendingHome also charges lender fees between 1.5% 2.5%, which is the least expensive option when compared to Patch of Land, tied with Lima One.

However, the downside to LendingHome is that they only finance short-term residential real estate. If you’re looking for more permanent residential loan options then Lima One Capital is right for you. If you’re looking to finance commercial spaces, it’s best to look at Patch of Land, which issues hard money loans for both residential and commercial real estate properties.

Hard Money Lender with Fastest Funding:Patch of Land

Patch of Land is a national hard money lender that finances both residential and commercial real estate. The lender issues loans on single-family homes, multi-unit properties, apartments, and condos, as well as mixed use buildings, offices, and shopping centers. Patch of Land is our top pick for those in need of the quickest financing.

This is because Patch of Land, similar to both LendingHome and Lima One Capital, offers prequalification that takes only a few minutes. However, while LendingHome and Lima One rely on crowdfunding to finance their loans, Patch of Land prefunds their loans, speeding up the crowdfunding process.

It can take a borrower as little as 5 days to receive the funds from a hard money loan with Patch of Land, and the average time to funding is 7 days. This is in contrast to LendingHome and Lima One Capital, both of which take around 10 15 days to finance an approved loan.

Even though the time to funding is the best, it should be noted that Patch of Land requires more up-front information during prequalification. It’s best to already have all the necessary documents prior to applying, which we talk about more in-depth below. Further, Patch of Land offers a lower residential LTV ratio, ARV ratio, and a higher interest rate and fees when compared to LendingHome.

Best Hard Money Lender with Permanent Loan Options:Lima One Capital

Lima One Capital is a national hard money lender that finances both short-term and permanent residential real estate projects. The lender offers short-term fix-and-flip and bridge loans for single-family homes, multi-unit properties, apartments, and condos. They’re also the only hard money lender on our list that also offers a 30-year mortgage for rental properties.

Their permanent mortgage can be used for a single, non-owner occupied rental property as well as for a portfolio of single family rental units. The permanent rental mortgage can have both a 30-year fixed or variable interest rate that starts as low as 4.99% for variable rates and 6.99% for fixed rates. The loan rental loan can range from $50k $5mm+, have an LTV of 75%, and don’t finance repairs.

This is the only permanent loan option on our list of the best hard money lenders. However, Lima One Capital also offers short-term fix and flip loans for multi-unit properties between 1 4 units as well as apartments of 5+ residential units. Their fix and flip options include loans for 90% of purchase plus rehab costs, 70% of the expected loan-to-value, as well as construction financing and cash out refinances.

Overall, Lima One Capital offers the most loan options out of the three lenders on our list. Specifically the lender can originate the following types of short-term and permanent mortgages:

Fix and flip loans (rehab, cash out refinance, construction)

Multifamily loans

Rental bridge loans

Permanent rental loan (single-family, portfolio)

By comparison, LendingHome doesn’t originate permanent rental loans and instead focuses on fix-and-flip loans based on LTV or ARV. Patch of Land also doesn’t offer permanent loan options. However, Patch of Land is the only lender on our list that originates hard money commercial loans.

Types of Properties

Hard money lenders may fund both residential real estate and commercial real estate, or they may stick to just one or the other. Hard money lenders that finance residential properties typically fund single-family homes, multi-unit buildings, apartments, and condos.

Hard money lenders that finance commercial properties typically fund mixed use buildings, offices, and shopping centers. These loans are often used to finance rehab projects or when flipping houses. Let’s take a deep dive into the types of properties that each of our top hard money lenders finance.

When it comes to private hard money funding now you can learn what successful real estate investors are doing in today’s real estate market–

“My partners in N.C swears by your product and I can’t wait to begin having my deals funded as well. Like you said Gary -all the heavy lifting has been done for us! All of your products will be added to my archives, but this is the primary piece to the foundation of my operation. Add me to the list of your satisfied customers as well.” -B.G

“I like what the program offers, I have used the blueprint principles to put packages together, with success. ” -M.C.

“The three sources I ordered from you and your continuous informational daily emails have been of an invaluable help to my real estate investing success. Thank you so much.” -P.M.

“Yes I did get funded thank you for the help!” -C.C.

“I have a great lender that I got through your program. We have a great relationship and I’m getting properties. with 0 down no payment for 120 days @ 11% land contract 3 year pay off. Thank you very much.” -R.V.

Just one funded deal could make all the difference. That’s why it is so important to know the lender programs so investors can match deals with the right private hardmoney lender programs. It is critical to being able to establish a relationship with these lenders if it is your desire to get more deals funded and closed.

Why waste your time searching for funding when WE CAN SHOW YOU HOW IT’S DONE?

Online Payday Installment Loans – Get Started Now!

Shorttermsloans.com is not a lender outside of and does not provide short-term loans for non- residents, but refers consumers to lenders who may provide such loans. Shorttermloans.com is unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved for a loan. APR’s vary according to the information supplied by you in your loan request and the lender who accepts your request. You will be given the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement in the loan request process.

The APR on a short term loan can range from 200% to 2,290% depending on how the APR is calculated (nominal vs. effective), the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on in the loan request process.

Implications of Non-Payment and other Considerations

We would like to remind you that Shorttermloans.com is not a lender outside of and does not charge any fees for its referral services. Every lender in our network provides the consumer with specific terms, conditions, and practices prior to the consumer’s acceptance of the loan. We recommend that you carefully review the terms and conditions of any loan offer presented to you.

When you accept the terms and conditions for a loan offer, you are agreeing to pay back the loan principal and finance charges in the amount of time shown in the documents supplied by your lender. Additional fees or charges by your lender may apply in the event that you are unable to repay your loan in full or if you make a late payment. Shorttermloans.com cannot predict the amount of the fees or charges that you will incur as a result of non-payment, late payment, or partial payment. Shorttermloans.com has no control or knowledge of the loan details between you and your lender. Please refer to the late payment, partial payment, and non-payment policies detailed in the loan documents provided by your lender. We only work with reputable lenders who are dedicated to pursuing collections of past due accounts in a fair and reasonable manner.

Fees and Interest

If approved for a loan, your lender will present you with the exact fees and interest rate of your loan prior to your acceptance of the loan. Shorttermloans.com is not a lender outside the state of and cannot predict the exact fees and interest of the loan option presented to you. You are under no obligation to accept the terms presented to you by the lender.

Credit Score Impact

Shorttermloans.com does not make credit decisions nor do we conduct a credit inquiry on consumers seeking loans outside the State of . However, the lenders we refer non- consumers to may conduct a non-traditional credit check in order to determine your eligibility for a loan. Lenders may conduct a credit inquiry with the three major credit bureaus: Transunion, Experian, or Equifax. Ultimately, your credit score may be affected by the actions of a particular lender. If you do not repay your loan on time your lender may report this delinquency to one or more credit bureaus, which could have a negative impact on your credit score. We encourage consumers with credit problems to consult a credit counseling company.

Loan renewal policies are largely governed by state regulatory legislation. The loan renewal options will be presented to you by your lender prior to your acceptance of the loan. Please make sure to diligently read the renewal policy presented to you prior to signing the loan documents. Short term loans are intended to be a short term financial instrument. We encourage all consumers to repay the loan on time and in full in order to avoid late payment and/or non-payment fees. If you suspect that you may be unable to pay off a Cash Advance loan, we would recommend that you explore loan alternatives before applying for a short term or cash advance loan.

Except for loans we fund in , we do not engage in debt collection practices. Your lendersпїЅ collection practices will be disclosed to you in the loan documents provided to you by the lender. If you are unsure of the collection practices used by a specific lender, we recommend that you discuss this issue with your lender directly. We make reasonable efforts to only work with established, reputable lenders who pursue collections of past due accounts with fair conduct.

Why Choose

Short Term Loans

Avoid costly late fees, overdraft fees, service cancellations

Bad/No Credit? No Problem!

Fast, friendly service

At Short Term Loans, L.L.C. we know that you can’t plan for everything. When unexpected expenses come up, we are here to help you through the rough spots with the cash you need until your next payday, or even longer.

Apply in Person

Find a location to apply in person at one of our stores.

Latest News

Stay up to date on news and special offers.

Safe Secure

We’ll keep your information safe.

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Professional Advice Recommended: The loans provided by the participating lenders in our network are short term loans, which are designed to provide cash to you to be repaid within a short amount of time. These types of loans are not a solution for consumers facing long term debt and credit difficulties, and should not be used on a long-term basis. We recommended that you seek professional advice regarding your financial needs, including risks and alternatives to short term loans.

Disclaimer: We are a referral service to qualified participating lenders. We are not a lender loan broker or agent for any lender or loan broker outside of the State of . This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This service and offer are void where prohibited. This is not a solicitation for a particular loan. We do not control and are not responsible for the actions of any lender. We do not endorse or charge you for any service or product. You are under no obligation to use our Service to initiate contact with a lender, nor apply for credit or any loan product with any service provider or lender. You are under no obligation to accept any loan from a participating lender.

Credit Implications: We and our participating lenders may verify your social security number, driver license number, national ID, or any other state or federal identifications and review your information against national databases to include but not limited to Equifax, Transunion, and to determine credit worthiness, credit standing and/or credit capacity. However, credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, which typically will not affect your credit score, may be obtained by some service providers or lenders, in certain circumstances. By submitting your application and information on this website, you agree to allow any and all participating lenders to verify your information and check your credit.

Guarantee: There is no guarantee that you will be accepted by one of our participating lenders. A lenderпїЅs cash transfer times may vary between lenders and may depend on your individual financial institution. Repayment terms vary by lenders and are regulated by state and local laws. In some circumstances, the lender may require a fax. For details, questions or concerns regarding your loan, please contact your lender directly.

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hard money loan

The Hub For Private Hard Money Lenders And Local Massachusetts Real Estate Investors!

ACCESSIBLE RESPONSIVE: We take pride in responding quickly to all of our borrower s private loan requests. We are passionate about hard money lending here in Massachusetts. Our doors are always open for those borrowers and investors who want to discuss a specific private loan transaction in person.

TRANSPARENT ACCOUNTABLE: We are hard money lenders that live and work in Massachusetts. Our reputation is paramount. The tenements of our business are built upon providing complete transparency to our borrowers and to bringing integrity to the private hard money lending arena.

COMMITTED PARTNER: We are committed to working with all of our borrowers and real estate investors not only when the going is good but when unforeseen issues and circumstances arise that change the loan and/or project dynamics. We are not a loan to own hard money lender. Our model hinges upon the success of our borrowers achieving their real estate investment goals.

Private Hard Money Lending for Massachusetts Real Estate Investors

FAST TURN AROUND: Our private lenders understand the need for being able to close fast.

Investment Opportunties

PRIVATE LENDING: Individuals looking to diversify the allocation of their investment income should consider participating in our direct lending program.

How to Get a Hard Money Loan Approval

Hard money loans are generally lent to borrowers to finance real estate investment opportunities or other collateral backed loans; they are funded by private investors as opposed to banks. A hard money loan might be an appropriate option if you do not have a high enough credit score to secure a loan from a bank. They are generally used as “bridge” loans between construction financing and long term loans; hard money loans are often used for construction because longterm lenders may want finished and leased projects. Be aware that hard money lenders are not regulated by the Federal Reserve or the Office of Thrift Supervision. Therefore, the application process can be very different from a traditional loan from a bank.

Part Two of Three:

Lone Star Cash Services

Welcome to Lone Star Cash Services. We are excited to have the opportunity to help you meet your short term lending needs. Take a minute to learn about the different types of loans that you can use to pay for your emergency bills or expenses. When you are ready to get your cash, apply online to get you money quickly.

Dallas Area Payday Loans

You might also know these as cash advances and these loans are short term loans where the money is deposited directly into your checking account. The payback term is set to coincide with your next paycheck or payday in most cases. You can use these types of loans to pay for emergency expenses, utility bills, doctor costs, rent or any other surprise Dallas expense fast. On payback of the loan, you will typically be charged a set fee. The effective APR can be high but it is often less than the cost of bank fess and late charges. To qualify for one of these loans, you only need a few things in most cases. You need to have an income, a checking account, a valid phone number, a social security number and you must be over the age of 18.

Installment Loans

These loans are usually for higher dollar amounts than payday loans and will have a longer payback period. You may be required to make monthly or bi-weekly payments. To qualify, you will need the same things that you would need for a cash advance but the credit requirement might be higher.

Why Apply Through Lone Star Cash Services

No need to go into a brick and mortar store and waste your precious time and gas. No need to take off from work and lose the money that you need. This is about getting money after all and not spending it.

Money Is Deposited Directly

Your money will be deposited by the lenders directly into your account. No need to take a check down to the bank. The money will be ready to go to pay the bills that you need to deal with.

Nobody needs to know that you are getting a payday loan. Nobody needs to see you walk into a money store. You can do it all online from the privacy of your home or workplace. Our lenders use secure websites to keep your information private.

How much will my loan cost me in fees and interest?

This will depend on the loan amount and your particular situation. The best way to find out is to apply. All fees will be disclosed before you commit to the loan.

What if I can not pay my loan back by the due date?

Most lenders offer you the ability to extend the loan or refinance it. You should call the lender who funded your loan as soon as you know that you will not be able to repay.

Can I qualify with bad or poor credit?

Absolutely, as long as you meet the basic requirements, you can still most likely qualify.

Does it take a long time to get an approval?

No, you should have a result within minutes of completing your application.

When can I get my money?

Most lenders will be able to fund your loan on the next business day. Bank holidays may delay the deposit in some cases.

How will I receive my money?

Your money will be deposited directly into your checking account after your application is approved. At the end of the term, the money will be automatically debited from the same account.

** We strive for the highest ratings. We are not satisfied unless we receive at least: 4.9 out of 5 based on 200 reviews or more.

Urgent Loans in South Africa

Managing your personal finances is not always an easy task. That is why it makes sense to take full advantage of the tools that can help you with this such as the fast urgent loans South Africa. They are easy to take out and you will get the funds which you need in no time. You can select from a huge variety of instant financial products depending on your needs and requirements.

Common types of Loans

Immediate Loans

Designed to meet all your needs and requirements

Consolidate Loans

Outstanding balances on loans into a single account

Home Loan Approvals

Buy your dream home quickly and without much hassle

Loans for Students

Instant student loans in SA are among the best solutions

The How-to Guide for Urgent Loans

Tips: Managing your NEW Loan

When looking at getting finance, the market for loans is quite plentiful. With loans for any lifestyle, and wallet, the banks and loan facilities in S.

How to Handle Joint Expenses

When you get married and start living with your spouse, you will inevitably share your finances as well. Even if you prefer your salaries in separate .

How to Get Approved for Blacklist.

The global economy experienced a serious downturn recently and this had a major negative impact on millions of people around the world and in South Af.

How Loans Work

In a complicated environment, the instant loans South Africa are designed to be easy for consumers to understand and use. Once you have found the right provider, you’ll need to fill out an application form and provide the set of required documents. In most cases, you can do this online or by fax, so there is no need to leave home to visit the office of a lender.

No matter what your circumstances, the fast review of your application is guaranteed. Usually, it takes just a few hours to get approved. Even if you have been blacklisted, it is possible to get approved, as long as you meet the precise eligibility criteria set by the lender.

Once approved, typically, it will take less then 24 hours for the funds to be wired to your checking account. The instant loans South Africa rightfully deserve their name – In most cases, it takes just a day to receive the cash.

Types of Lending

We offer a wide variety of instant personal loans in South Africa. Some personal loans require no collateral, however to qualify for such a loan, you need to be earning an income. If you already have a number of loans, there are programs for debt consolidation which are aimed at reducing your debt considerably and get your finances in order. Whether you need a home loan to buy a house or a student loan to study, you have come to the right place.

Availability of Cash

No matter where you are, instant loans are available in every corner of South Africa including Gauteng, Pretoria, Johannesburg, Cape Town and Durban. All our lenders are reliable and follow strict regulations set by the National Credit Act and the National Credit Regulator of South Africa.

Whether you need to finance a major purchase or have found your self in a cash emergency situation, the instant loans South Africa will help you.

Useful Tips on Instant Approvals

Many people in South Africa require instant cash loans at present. The list includes those.

How to Save on Instant Cash Loans .

Undoubtedly, instant loans in South Africa are the simplest tool for dealing with cash eme.

Instant Money Loans in South Afric.

The instant money loans in South Africa have gone online. Virtually all lenders and not on.

Profitech Credit Solutions

Our information and advice on getting an instant loan in South Africa is updated on a daily basis. Read through our useful tips practical advice on getting a loan. We provide financial tips, news, and a business directory for lenders.

Get Payday Loans Online Fast

Easy Online Payday Loan is the #1 site for all your no fax payday loan needs. When you need a fast payday loan, Easy Online Payday Loan is here to assist you!

What is a Payday Loan?

A payday loan is a short-term loan to cover your spending needs. It is secured against your future paycheck. Cash advance payday loans have grown in popularity over the years and are used by millions of people just like you to pay for unexpected expenses that arise. If there is an emergency and you need money quickly, a cheap personal loan can help. Just be sure to only borrow what you can afford to pay back when you receive your next paycheck.

Payday Loan Cash Advance Requirements

The payday lenders in our network require that you are at least 18 years of age, maintain a regular source of income, and have a direct deposit system set up with your local bank. If you meet the loan qualifications of the lender, you may be on your way to getting the cash you need – get started with us today!!

Get information about

payday loans in your state.

Why Payday Loans Online Beat the Alternatives

Our remarkably fast and easy-to-use form is what sets us apart from the other faxless payday loan sites on the Web. Shopping online for your payday loan is much easier than going to a physical location, making it a faster and more convenient way to get the cash you need all from the comfort of your own home. Our trusted lenders offer superior service to a wide variety of consumers, so your financial history will likely not prevent you from being approved for a loan. You can get up to $1000 deposited in your account as soon as tomorrow. Avoid the bounced checks, overdraft and NSF fees by getting a cash advance loan to hold you over until your next paycheck arrives.

Using our online loan service is more discrete than going to a payday loan store and you don’t have to worry about forgetting the necessary documents. Your transaction information is completely private and what you provide to us stays with us! No one will ever know you got a faxless payday loan. We have all been in your position at some point, so relax and let us help you get back on track quickly and easily with an Easy Online Payday Loan! Fill out the form above or give us a call at 866-634-4358 to get started!

Consumer Notice: Payday loans are intended for short-term financial needs only, and should not be used excessively. If you have mounting debt or credit troubles, Easy Online Payday Loan suggests you seek the advice of a credit professional.

*Most lenders fund the next business day. Cash tranfser times vary betweeen lenders. Easy Online Payday Loan has no control over the time it takes to receive your funds.

**Additional loan requirements may exist. Not all third party lenders have the same qualification requirements; loan services vary from state to state. For more information, please review our Terms of Service.

Carolina Hard Money and Transactional Loans for Real Estate Investors

Carolina Hard Money”, LLC is a commercial mortgage lender serving the needs of the “Real Estate Investor” Small Builder borrower who is striving to build wealth and generate income for themselves and their families. We offer “hard money rehab loans,” Ground up Construction Loans and Transactional Loans for investors only in “North Carolina and South Carolina”. As part of our business practices, we also serve as consultants for investors guiding them to network with other investors and educating them in locating and structuring transactions.

“Carolina Hard Money”, LLC. promotes that all transactions be made ethically and morally. Our goal is to put People and Principles in front of Profit. CHM understands that the best way to serve our customers is to be able to walk in their shoes. We are members of and endorse the Metrolina “Real Estate Investors” Association, a non-profit association that promotes real estate investing through networking, mentoring and training. As “real estate investors”, ourselves we feel this enables us to better understand the goals and needs of our customers.

Some of Our Hard Money Loan Terms and Property Types:

We loan up to 70% of the ARV on SFR.

55% to 65% ARV on Multi-tenanted Commercial and Mixed Use

Terms are 6 to 9 Months with extensions available.

Ground up Construction

Rehab to Flip or Hold

Origination Fee 5% of Loan amount

13.75% interest only payments, No pre-payment penalty

Closings in as little as 10 days

See F.A.Q s for a list of expected fees.

“North Carolina Hard Money Lender

South Carolina Hard Money Lender”

We’re not around right now. But you can send us an email and we’ll get back to you, asap.

hard money loans

HARD MONEY BANKERS is a full service and self-funded private/hard money lending company providing fast and flexible financing for residential and commercial investment real estate deals. We are currently lending in Maryland, DC, Virginia, Pennsylvania and New Jersey.

Borrow from Us

Hard Money Bankers Makes The Lending Process Easy! Call Now 800.883.8290 Follow These Six Easy Steps To Get Through The Loan Process. STEP ONE: APPLICATION:Complete

Broker To Us

Welcome to Hard Money Bankers We work with Brokers nationwide as an additional outlet for their loans. When you work with us, you will receive professional and honest service along with a quick response to all loan submissions.

Recent Blog Posts

FREE REPORT: 7 STEPS TO GUARANTEED HARD MONEY LOAN APPROVAL

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Recently Funded

Hard Money Bankers funded this loan in a nice Owings Mills Maryland community for a [ ]

We funded this property in Richmond, Virginia for an experienced investor who purchased the property [ ]

This rental property was purchased in Laurel, MD by an investor who owns a few [ ]

TESTIMONIALS

I would like to thank you and the HMB team for your high level of professionalism and partnership on my project. From Bryant with the acquisition loan and extension and Teri with her awesome asset management and customer service. Again, thank you for commitment and partnership.

The folks at HMB are great! They were able to approve the loan, complete the closing within a tight time-frame, and disburse the escrow funds promptly. They offer many other programs to assist investors as they clearly recognize that the more successful their clients are, the more successful they are. I recommend anyone contemplating entering the Real Estate Investment sector, to contact HMB prior to signing a contract, as there are many factors that need to be considered that they can discuss with you. Best of Luck!

Greg , Howard County, Maryland

Great lender to work with on a flip. I also love their educational stuff and networking opportunities as a client. Very helpful for new investors and old!

quick money loans

How to Get Cash

Your expenses don t always come on your payday. And sometimes they all come at once! We are here for you when you need extra cash to make ends meet! Every day, we help people just like you. We can help you too!

Fast and Easy Application

Take a few minutes to see how easy it is to qualify for your cash. Just complete the easy online application or apply by phone by calling (708) 366-3267. Our friendly Money Company Loan Associates will be happy to help you get your cash.

Fast and Easy Approval

After we receive your application, we will contact you and let you know how to proceed to the next step. In most cases, you will be pre-approved by The Money Company. We then ask you to come to our office and bring your State ID, Pay Stub (or benefit statement) and Bank Statement (if you have a bank account).

Fast and Easy Cash

Once you bring your documents to our office, we can move you to the approval process. We will establish an easy payment schedule and repayment method that best meets your needs. You will then GET YOUR CASH – it is as easy as that! Apply Now to see how quickly you can get your cash!

Choose Your Loan

The Money Company offers several types of loans to meet your unique needs. Our loans donвЂ™t require a credit check and offer easy, convenient repayment options. Our loans allow you to repay your loan over time with easy, affordable installment payments. There is NEVER a penalty for paying off early – you only pay for the days used!

Starter Loan

Starter Loans allow you to build a relationship with our company. Starter Loans have easy requirements вЂ‹and offer several easy and convenient payment options. Starter Loans require regular employment income OR benefit income BUT you do not need a checking account (additional terms and conditions may apply). Once you have established a Starter Loan history with our company you may be eligible for our Installment Loan or Signature Loan! вЂ‹

Installment Loan

Installment Loans are available to qualified customers who have established a satisfactory record with our company. Installment Loans offer higher loan amounts, lower rates, and a repayment plan tailored to your specific financial need.

Sterling Investor Capital, LLC

Hard Money Lenders Houston, Texas

Call Us: 713-784-7676

1 Hour Call Back!

Hard Money Lenders Houston, Texas

Sterling Investor Capital has the answers to all of your hard money lender needs in Houston, Texas. We are able to finance loans which have been turned down by banks and help you out in many financial situations in which a loan would otherwise be denied. We finance loans for residential investment and commercial investment purposes mainly based on the equity that you have available. The rates that we offer depend mostly on the type of property, term of the loan, and the risk assessment on the investment. Since we are a private equity-based hard money lenders inHouston Texas we are able to be of assistance to investors throughout Texas.

For those looking for a residential investment or commercial bridge loan in Dallas, TX there is no better place than Sterling Investor Capital. We finance many bridge loans that other institutions passed up in order to help our customers close on residential investment or commercial investment loans faster and more easily. If you are in need of a loan for residential investment property or a commercial bridge loan in Dallas to purchase residential investment property or refinance the mortgage on your current residential investment property or commercial investment property then you have come to the right place. We have the best rates and terms on bridge loans in Texas.

Residential investment and commercial investment loans are available in Austin for those who are looking to purchase property. If the bank has declined you for a residential investment or commercial loan you can count on Sterling Investor Capital to help you through the financial process of buying a new property. Investment home and commercial loans in Austin don’t have to be difficult and lengthy. Unlike other hard money lenders we prefer longer terms for our loans. This helps our customers who are looking for the best deals on residential investment loans in Austin without the hassle of working with a banking institution.

Residential and commercial hard money loans in Dallas, Texas may be the answer to your financing needs. With our exceptional rates and market leading terms on our residential and commercial hard money loans in Dallas we have been able to help countless customers realize their property goals when they had been turned down by other lending institutions. Everyone should have the chance to make a smart residential move when they see the opportunity, and the residential and commercial hard money loans in Dallas that we offer to customers can help you take advantage of that same chance. If you are considering a residential or commercial hard money loan in Dallas you will be sure to find a better value in our loans.

Hard Money Loans Houston

For all equity based money lending needs in Houston, Texas we have you covered. We have over 40 years of experience in real estate financing which allows us to provide you with the funds that you need. When it comes to residential investment and commercial hard money lending in Houston there is no better choice. We make sure that you will have the best rates on your loans based on the equity of your current holdings. We are capable of offering anywhere from $80,000 to $5,000,000 or more for the right opportunity. If you have the chance to make a solid move and simply need help funding your investment, you can count on Sterling Investor Capital for your private investor hard money lending in Houston.

We are hard money lenders in San Antonio, Texas that can quickly get you on the path to receiving the funds that you need. We will issue a letter of intent within 24 hours of receiving your loan application. Lending hard money in San Antonio has never been easier than when you work with Sterling Investor Capital. We make sure that you are ready to capture any opportunities that come your way even if you don’t have extra capital sitting around to invest. Our San Antonio asset based loans will make sure that you have access to all of the resources that you need based purely on the assets that you already own.

Our funding of residential investment loans in Ft. Worth, Texas are quick and easy. We are usually able to provide the funding that you need within 7 to 10 days after appraisal. This means that you won’t have to wait through a long administrative period and can capitalize on the property that you would like to purchase. Hard money lending in Ft. Worth is a great alternative when you want to make a move on a property quickly without having to go through all of the lengthy processes that occur when borrowing from a bank.

Texas Hard Money Loans

Our residential investment and commercial loans in Texas differentiate from the usual bank loans you receive. They are not based upon usual credit checks as we do not require you to go through income verification and provide tax returns like banks. You primarily qualify for a loan based on the value and cost of the property or real estate. There is no loan committee, it s our money and if the loan makes sense we ll do it.

Best Hard Money Loans

Contact us now to arrange for a consultation or if you have any questions or concerns. We’re a direct Texas hard money lender making loans in Texas. Loan terms can be from 1 year to 5 years. All investor and property owners are able to qualify based only on the value of the property.

About Us

Awarded as Singapore’s Successful Brand, Cash Mart is your personal moneylender like no other. Why Cash Mart is unique? We provide instant loans at the most sensible interest rates with you in mind.

Acknowledging the strong connections of Singapore with its neighboring country, Philippines, Cash Mart once again did a breakthrough by crossing the seas to bring unparalleled loan solutions to the Filipino people with the same perseverance and enthusiasm Singaporeans have been enjoying for more than 45 years.

There is no secret formula to stay in the moneylending business for more than four decades, Cash Mart simply understands the uniqueness of everyone’s financial needs, thus, various loan products has been created guided by market trends analysis, legal processes and sense of urgency.

Filipino workers deserve a reliable partner every time they encounter a financial gap. Cash Mart helps to bridge over the gap through innovative loan options with flexible terms to fit the various personal needs. Served with high ethical standards, the affordable loan products are not only handled with smooth quick loan process but also with transparent terms. This is how Cash Mart maintained its integrity and well-built reputation in Singapore.

Singapore’s leading private lending company is now in the Philippine shores to provide realistic and best loan solutions to every Filipino from all walks of life. We’ll be happy to hear from you. For any enquiries, call us on (02) 829 0000. Expect a world class service with Cash Mart – your Next-Door Moneylender. Cash Mart never fails to be a reliable financial partner when you need us the most. Give us the opportunity to show you want we can offer. Call us now.

No Credit Check Loans

We never require a Credi Check when making our personal loans as all we care about is that you have the ability to repay the money we loan you. We are the place to come to if you are looking for a personal loan with no credit check.

Fast Cash Loan Today

We can usually approve your fast cash loan in one hour or less meaning that you can receive your fast cash loan today .

Fast Cash Loan No Credit Check

No Credit Check is needed to receive your fast cash loan which is why we are rated #1 by those needing a fast cash loan no credit check

Guaranteed Fast Cash Loan

We guarantee to have your loan processed in one hour or less with no credit check and no faxing. Standing behind our promise for a guaranteed fast cash loan.

No Credit Check Cash Loan

We are the leader in making no credit check cash loan for whatever reason you may need some emergency cash loans fast

Unsecure Personal Loans

No security is needed for our fast cash loans as we deal only with unsecure personal loans

Cashloans

That’s what we do and all we do is make cashloans with no credit checks or faxing

Guaranteed Payday Loan

If you are looking for a guaranteed payday loan then use our free application and we will have everthing processed for you in one hour or less

A Deeper Insight Into Payday Loans

Payday loans can certainly be considered life savers when unexpected situations arise. It has happened to all of us at least once to be in great need of cash, just several days before the payday. Also referred to as “quick cash loans” or “no credit check loans”, these short-term loans have a series of benefits over the regular credits as we know them. Over the past several years, more and more people have become interested in fast cash loan no credit check, due to their numerous benefits and the convenient interest rates that are applied. Unexpected situations happen all the time. No matter if a relative becomes sick and you need money for treatment, or you have problems with the pipes and you need the services of a plumber, the USA payday loans can help you solve your money-related issues. These loans can be obtained in a matter of minutes, and no paperwork is required whatsoever. In this article you will find detailed information regarding payday loans and their advantages.

Loans

Fast cash loans or personal loans with no credit check are an option used by folk who find it hard to live inside their earnings, between 2 paydays. They are a way to get urgently required cash and get a fast cash loan today, with a promise of repayment inside thirty days. These loans come with minimum paperwork and are easily approved. There are some fast cash loans that are guaranteed approval and almost all offer fast cash loans with no credit check.

No Credit Check Cash Loan

Anyone can get a no credit check cash loan starting from $100-$1500. The term of repayment of these loans is short which varies from 15-31 days. The repayment must be met within the given time-frame. The funds being short term in nature and free from collateral are offered at a little raised rates of interest.

Most lenders that do personal loans with no credit check will offer loans with no credit checks or document faxing providing you work and have a stable income. The lender just whats to make sure they get their money back and that you have the income needed to pay the loan back, so they may ask you if you have any other loans including a home mortgage so they can work out if they will get paid back. To get a payday loan with no credit check you will probably have to pay slightly higher fees and the interest rate will probably by 1-2% higher. However, this is a small price to pay if you can secure a bit of extra cash to help pay off unexpected debts or cover some other unexpected financial emergency.

More than that, you are always able to apply for these no credit check cash loans online so that it will take away the stress of seeking out the offices of some credit or lending institution and sitting down to have a chat with a credit agent that has too many other things to do to be able to pay you their full attention and you can avoid the embarrassment of personally discussing your financial troubles.

The Internet is loaded with online credit facilities that not only make it easy for you to apply for a no credit check personal loan but also to determine which credit companies you should borrow from. Cash loans can be acquired instantly within a day. There are no formalities to be fulfilled by anyone to qualify. No credit check, no paperwork and no faxing formality is needed for approval.

Always check the terms and conditions to be sure you are getting direct cash advance loans and not a loan from a broker. You can save yourself a lot of money by choosing the right lender when looking for a no credit check personal loan. When you are faced with a financial crisis and need money fast, one solution may be to apply for one of the direct payday loans to give yourself enough time to get back on your feet financially. It only takes a few minutes and you can take care of that unexpected emergency that has come up before it becomes a bigger problem.

If you have a bad credit score,you will not be rejected by the lender. These are short term financial solutions and thus the lenders would not be reluctant to give them to people with bad credit. You need not worry if you have a bankruptcy or foreclosure in your credit report. These will never affect the chances of approval for this type of no credit check loan. Every borrower must try to get quotes from different lenders and get the best offer. Unless you search extensively in the internet for these loan lenders,you will not be able to get the lowest interest payday loan

Loans With No Credit Check

We make it easy for almost anyone to get a fast cash loan as we do all of our loans with no credit check. This means that nothing in your past credit history will stand in the way of you getting a fast cash loan today. This means you can take care of any emergency cash needs with ease. It doesn’t matter if you want the fast cash loan for car repairs, to pay household bills or just to have some extra money to handle other expenses our loans with no credit check are waiting for you.

Of course you have no obligation to actually take the loan we find for you if you don’t want to. It is totally up to you to decide if the terms of the loan are what you want and are looking for.

Fast Loans With Bad Credit

Trying to obtain a loan with bad credit can be a challenging and frustrating task. Many people who have a low credit rating are aware of the limited options that they have available to them for qualifying for a loan. Traditional loan options might not be available but fast cash loans can be a great help for people with bad credit.

hard money loan

HARD MONEY BANKERS is a full service and self-funded private/hard money lending company providing fast and flexible financing for residential and commercial investment real estate deals. We are currently lending in Maryland, DC, Virginia, Pennsylvania and New Jersey.

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Welcome to Hard Money Bankers We work with Brokers nationwide as an additional outlet for their loans. When you work with us, you will receive professional and honest service along with a quick response to all loan submissions.

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TESTIMONIALS

I would like to thank you and the HMB team for your high level of professionalism and partnership on my project. From Bryant with the acquisition loan and extension and Teri with her awesome asset management and customer service. Again, thank you for commitment and partnership.

The folks at HMB are great! They were able to approve the loan, complete the closing within a tight time-frame, and disburse the escrow funds promptly. They offer many other programs to assist investors as they clearly recognize that the more successful their clients are, the more successful they are. I recommend anyone contemplating entering the Real Estate Investment sector, to contact HMB prior to signing a contract, as there are many factors that need to be considered that they can discuss with you. Best of Luck!

Greg , Howard County, Maryland

Great lender to work with on a flip. I also love their educational stuff and networking opportunities as a client. Very helpful for new investors and old!

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How to Get Cash

Your expenses don t always come on your payday. And sometimes they all come at once! We are here for you when you need extra cash to make ends meet! Every day, we help people just like you. We can help you too!

Fast and Easy Application

Take a few minutes to see how easy it is to qualify for your cash. Just complete the easy online application or apply by phone by calling (708) 366-3267. Our friendly Money Company Loan Associates will be happy to help you get your cash.

Fast and Easy Approval

After we receive your application, we will contact you and let you know how to proceed to the next step. In most cases, you will be pre-approved by The Money Company. We then ask you to come to our office and bring your State ID, Pay Stub (or benefit statement) and Bank Statement (if you have a bank account).

Fast and Easy Cash

Once you bring your documents to our office, we can move you to the approval process. We will establish an easy payment schedule and repayment method that best meets your needs. You will then GET YOUR CASH – it is as easy as that! Apply Now to see how quickly you can get your cash!

Choose Your Loan

The Money Company offers several types of loans to meet your unique needs. Our loans donвЂ™t require a credit check and offer easy, convenient repayment options. Our loans allow you to repay your loan over time with easy, affordable installment payments. There is NEVER a penalty for paying off early – you only pay for the days used!

Starter Loan

Starter Loans allow you to build a relationship with our company. Starter Loans have easy requirements вЂ‹and offer several easy and convenient payment options. Starter Loans require regular employment income OR benefit income BUT you do not need a checking account (additional terms and conditions may apply). Once you have established a Starter Loan history with our company you may be eligible for our Installment Loan or Signature Loan! вЂ‹

Installment Loan

Installment Loans are available to qualified customers who have established a satisfactory record with our company. Installment Loans offer higher loan amounts, lower rates, and a repayment plan tailored to your specific financial need.

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Future of Aviation

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CNNMoney International Series

Traders

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Innovative Cities

Currencies

Investing

Most stock quote data provided by BATS. Market indices are shown in real time, except for the DJIA, which is delayed by two minutes. All times are ET. Disclaimer. Morningstar: Morningstar, Inc. All Rights Reserved. Factset: FactSet Research Systems Inc. . All rights reserved. Chicago Mercantile Association: Certain market data is the property of Chicago Mercantile Exchange Inc. and its licensors. All rights reserved. Dow Jones: The Dow Jones branded indices are proprietary to and are calculated, distributed and marketed by DJI Opco, a subsidiary of S P Dow Jones Indices LLC and have been licensed for use to S P Opco, LLC and CNN. Standard Poor’s and S P are registered trademarks of Standard Poor’s Financial Services LLC and Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC. All content of the Dow Jones branded indices S P Dow Jones Indices LLC and/or its affiliates.

2017 Cable News Network. A Time Warner Company. All Rights Reserved. Terms under which this service is provided to you. Privacy Policy. .

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8 great reasons to use Calypso Loans

Whatever your circumstances, we can help with the cash you need today*.

Loans of between 100- 2000*

No hidden fees

Cash could be in your account in minutes*

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Simple application process

Payday Loans For Bad Credit Considered Apply For Up To £2,000

In the current economic climate, you can easily find yourself out of money between paydays. What do you do, when the cash flow momentarily is not there, but the bill is? What if a few friends and relatives are in a similar bind, and can’t help you? You may not have the pounds in your pocket or in the bank, you know you have money coming. And forget about getting a loan with bad credit (or lack of credit history) makes getting a conventional bank loan a non-starter. So, what is your solution to this short-term money jam?

The help you need could come from Calypso Loans, through whom you can apply for up to £2000 by the end of today from our panel of lenders. This is a payday loan arrangement where the loan is placed in your bank account if approved. You pay it back to your lender when agreed in the lender terms. You can even borrow for any reason, take your application even on the holiday, without any of the hassles of the hidden fees, phone interviews or faxing.

Our services available 24/7, and offers a straight forward application online and can be completed within minutes and we will then connect you with our panel of lenders. But always be aware of the dangers of taking out this type of short term credit, if you do not manage to repay the loan on the agreed date the costs could easily spiral out of control.

Most of our customers finish the online form within a few minutes. We are acutely aware of the urgency of most of our client’s urgent financial need, and have streamlined the process.

In other words, stop reading, and start applying. All you need are your fingers to type out information, a UK bank account, and a payslip with you to information to our panel of lenders. Get started now, and start applying!

Hard Money Equity Loans

Bad credit borrowers should consider hard money loans with our private money lenders that offer mortgage refinancing, cash out and consolidation. Sometimes in life situations arise that we cannot control, and bills aren’t paid on time and credit scores drop when you need them most. With BD Nationwide we enable you to talk directly to trusted hard money lenders so that you will get the “straight scoop.

If you have several reported late payments on your mortgage, then most conventional lenders will not approve you for cash out refinance or equity loan. Hard money equity loans are needed when credit scores drop in the low 500 range. Whether you need a non-prime loan or hard money lending, we can help you find private money lenders that provide several alternative financing solutions.

Shop Home Equity Companies Offering Private and Hard Money Loans for All Types of Credit

We will help you meet private money lenders that offer hard money loans and credit lines with short-term or extended term financing for investment, home construction, debt consolidation and bad credit refinancing. Choose from spec loans, lot loans bridge loans and many more non-conforming programs as well. Talk to hard money lenders that have bad credit solutions for qualified borrowers.

According to the Administrative Office of the Courts, 2,078,415 bankruptcies were filed last year–the largest number of bankruptcy petitions in the history of the federal courts.

See New Cash Out and Hard Money Loan Opportunities:

Many banks talk about offering equity loans for cash back but unless you have high credit scores it’s usually a long shot. That’s why hard money equity loans make a lot more sense for people who do not have great credit scores, Hard money loans have helped millions of people realize their financial goals by helping them tap their equity with cash out.

However, hard money is not for everyone. You’ll have enough equity to qualify for a hard money refinance, and not everyone will be able to do so. There are a few things that will factor into qualifying for these types of loans, including things like your income, debt to income ratio, credit history, and more. For a hard money equity loan, the most important factor of course is your home equity. Learn more on home equity loans with bad credit.

Tips and Advice from Hard Money Lenders and Private Mortgage Sources

Borrowing money from private sources has become very common these days for people who want to invest in real estate. It is still difficult to get regular banks to lend money on investment properties, even for experienced investors. If you are considering a hard money loan, below is an overview and some tips and advice.

Hard Money Loan Overview

A hard money loan is an alternative to a traditional bank loan that investors and some home buyers choose when they cannot qualify for a loan from a commercial lender. Some people also prefer to get a hard money loan instead of a regular loan because they have different needs than regular lenders can provide.

Payment terms are usually higher priced than regular bank loans because hard money loans are a higher risk investment for the lender.

The biggest difference between a hard money loan and a bank loan is that the loan is based entirely on the value of the property. Your personal credit history is not a major factor. Because the loan is not greatly based upon credit history, you will pay a much higher interest rate on a hard money loan. But if you have a profitable asset that you want to fix up and resell, getting a hard money loan could be a great option.

If you are looking for a short-term loan, such as doing a fix and flip property, a subprime loan from a hard money lender is often ideal. After all, you are not holding the loan for more than a few months. But if you have a property that you plan to hold for a long period of time, a hard money loan can quickly become too expensive to be profitable. Shop mortgages with bad credit.

Some of the Advantages of Getting a Hard Money Loan include:

Speed: The biggest plus of getting this type of loan is that you can get the money quickly. If you are an investor and you see a hot property, you know how it works: If you cannot close on that deal in a week or two, it could be gone. Some private money lenders can get your loan approved in 24 hours. People looking for a hard money line of credit in 1st or 2nd position will have more success getting quick cash than borrowers searching for a 3rd mortgage.

More collateral options: Hard money lenders can take different sorts of collateral. They will want to see that you have sufficient income from other sources to pay the loan usually, but they also may accept that you have other properties in your portfolio that serve as collateral if you default. They also may be able to accept your retirement savings or personal residence.

Low credit requirements: There are some hard money lenders that will want to see a decent credit score to loan you money, but others don’t care. The main thing that matters is having an asset that is worth something and that will have additional value when it is fixed up.

Hard money lenders understand investors: These lenders work with investors in real estate every day and understand what you are doing. If you have a property that can make them money, they probably will loan on it even if your credit is poor. Many regular banks are leery of investors.

Some Disadvantages of Hard Money Loans:

Higher interest rate: The interest rate on a hard money loan can be 15%. That is extremely high, but remember, you are probably not borrowing the money for more than three to six months. But you can run into problems if you need to borrow the money for a year or longer. You could find yourself losing money by holding the property.

Short term: Most hard money loans range from three months to a year. Hard money loan costs can be hard to handle when you are working on the property and have no cash flow or profit from it.

Certain properties only: Many hard money lenders are picky on the properties they will loan on. They all have different lending criteria, and some will be really strict. They want to be sure the property is worth having if you default.

Tips for Hard Money Loans:

Find a profitable property. No hard money lender will loan on a property that is going to lose money.

Have an exit strategy planned to show the private money lender. Most hard money borrowers are fixing and flipping properties. Show the lender what you are doing to the property and how much money it will make. Be specific.

Build up your cash reserves. Hard money lenders like to work with experienced investors who have a track record of success. If you are new, that’s fine, but you can increase your chances of getting approved by having substantial cash reserves and collateral.

Raise your credit score: While many lenders will loan to people with bad credit, you still should try to raise your score, as you may get a lower rate.

If you are new to investing, consider partnering with an experienced hard money broker or lender with a portfolio of properties. He can help you to get the loan and work with you to fix up the home profitably.

Do you need cash but currently have credit scores below 500?

Are you seeking some debt relief with lower payments from eliminating compounding interest?

BD Nationwide Mortgage provides solid insight on home equity solutions to savvy borrowers looking to consolidate loans and pay off revolving credit cards. If you have earned some equity in your home and want to reduce some high interest debt it is worth looking into a subprime mortgage, even if you have below-average credit scores.

Hard Money FAQs

Find answers to the most common questions about private money loans and hard money lending here! If you have additional questions, feel free to contact us at [email protected]ylendingguide.com.

Where does the money come from for a hard money loan?

The funds originate from private investors who are looking to make hard money loans seeking a return on their capital. The source could range from:

one individual,

a group where each investor fractionally invests in your hard money real estate loan, or

a group of private investors who have already pooled their funds and work with a commercial lending asset manager or loan broker to issue loans to qualified borrowers.

When is the best time to use hard money?

A borrower may consider a hard money loan instead of a traditional bank lender in scenarios or a project where having access to capital quickly is crucial. However, gaining access to this type of capital comes at a higher cost, for a two main reasons:

The investor providing the loan is looking for a better return than they can get in the bond market or in a savings account.

The more risk the investor takes, the higher the interest rate will be for the project. So a 20% loan-to-value (LTV) loan on a fully rented commercial building would be far less risky than a residential rehab loan on a 60% LTV fixer upper purchased at a foreclosure sale.

But remember, everything is negotiable and it is ultimately up to the hard money lender to find an investor willing to accept the risk of the borrower s project.

Why do I feel hard money lenders can considered to be shady ?

You re not alone in feeling this way. Over the years, there have been many bad apples in the hard money lending industry. As a result, a certain negative stigma was associated with hard money lenders. However, like any business, it evolved over time, and now there are many more good lenders that serve investors to do great deals across the country.

The key for you is discerning the good lenders knowing the right questions to ask to perform your due diligence. So don t let the stigma scare you! There many new private money lenders who are well-trained professionals acting in the best interest of borrowers.

The hard money lending industry has seen significant change during the last decade and a cottage industry of professionals has emerged who serve as a conduit between private money investors and borrowers seeking funds for real estate projects such as rehabs, bridge loans, commercial lending, land loans, and more.

Why can t I just go to a traditional bank lender and get my deal done?

You certainly can, however, banks generally require both strong collateral and a proven history of excellent credit and cash flow. Further, banking institutions may not provide the dual-awesome combination of speed of capital and quick decision making.

Hard money lenders are the opposite of banks. They offer more flexibility and focus primarily on the collateral for the loan and have the ability to fund a loan quickly which can prove to be a major benefit when you re in the midst of closing a time sensitive real estate deal.

Is hard money only for desperate borrowers?

Not at all! There are many transactions that just don t fit the conventional lending mold, for which hard money loans are better suited. Sometimes, hard money is a preferred means of financing these transactions and allows real estate investors to leverage their cash to invest in multiple deals, instead of just one.

Most private money lenders have no desire to take your property. They earn their living by servicing your loan on behalf of their investor. If they take your property, the income stream of 0.5% to 1% of the loan amount per year stops; so their incentive is to keep you in the property, and not take it away from you.

You may make your payments directly to the private money lender who arranged your loan or to a separate servicing company. Wherever the payment goes, you can expect less sophisticated servicing than you may have experienced with conventional loans. You should not expect a fancy web site to manage your loan. In many cases the servicing may be done on a ledger card or with basic software that doesn t give the borrower internet access.

Disclaimer and Limitations of Use

Whether you are looking for a commercial hard money bridge loan, or a private money loan to fund a residential rehab, the frequently asked questions in this private money lending guide will help you find the lender you need to get the loan for your real estate project.